black horse loans reviews | Watch This Item.

Average Ratings
Speed of Application6.8/10 Based on 14 ratings
Customer Service5.9/10 Based on 13 ratings
Value for Money6.1/10
Reviewer Rating5.9/10
Overall Rating6/10 Based on 27 ratings
59% Recommended13 out of 22 Reviews
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22 Review Centre Black Horse Loans Reviews

  • Full review by
    tw42
    on 22nd Jun 2009


    User Rating : 0
    Respect : 0

    Good Points: Absolutely NONE

    Bad Points: APR changes after they have informed that your successfullScam merchants.Everything

    General comments: STAY WELL CLEAR!I applied for a loan online with Black Horse Loans and was called later on and informed my application was succussful and all i needed to do was pop into the nearest office to complete the paperwork.However, everything changed after i had arrived to sign the documents at the BlackHorse office.The APR suddenly went from 18.9% which was quoted at the time of my application being accepted to a wopping 38% when i visited the office.This company is a joke and please be warned!
    tw42's review and ratings     | 102 words

  • Review by
    Guest.
    on 4th Jun 2009


    User Rating : 1
    Respect : 0

    Black Horse Loans made you feel welcome in the office went to check with the underwriter yes everymore ok .
    Guest's full review     | 64 words

  • Review by
    Guest.
    on 2nd Apr 2009


    User Rating : 0
    Respect : 0

    I was told that i was accepted for a small loan and the paperwork would be sent out the next day, then Black Horse Loans made SIX credit searches on my credit report and made constant calls to ask the same questions about a address i lived at 9 years ago i had enough and told them no thank you.
    Guest's full review     | 61 words

  • Review by
    melanieb1
    on 27th Mar 2009


    User Rating : 10
    Respect : 0

    Black Horse Finance. Well I got a car on finance through black horse last October, even though my credit wasnt all that good and they took me on straight away. Paying a little more in interest but only about £15 a month. Not missed a payment and they are fantastic to deal with. Very helpfull and friendly. Then 2 weeks ago i took a £1000 loan out to secure my venue for my wedding. I went to see them on the Thursday and I had the money in my bank account by Tuesday. I was rejected by ...
    melanieb1's full review     | 150 words

  • Review by
    happypersonagain
    on 23rd Sep 2008


    User Rating : 10
    Respect : 0

    This is my second loan with Blackhorse - received one in around last September when no one else would give me a loan (poor credit rating) and so decided to try them anyway - nothing ventured, nothing gained. Thought at that time that if I did get a loan from Blackhorse then it would help me out of my hole and that was also chance for me to improve my credit rating and luckily for me they approved my loan application at that time - helped me out of a hole and I haven't looked back. Kept my repay ...
    happypersonagain's full review     | 193 words

  • Review by
    horse1
    on 15th Jul 2008


    User Rating : 0
    Respect : 0

    I would stay well clear! All I wanted was my debt in one place. They told me I had definately been approved hence receiving loan agreements to sign and then BANG all goes out of the window! A disgrace!
    horse1's full review     | 78 words

  • Review by
    annambailey
    on 10th Jul 2008


    User Rating : 1
    Respect : 0

    I am very disappointed. I appreciate a mistake may have been made, but on two occasions they told me the loan was approved and then I had a call to say the money was going into my account. Half an hour later, it was all off and I was very upset. I did not get much sympathy.
    annambailey's full review     | 112 words

  • Review by
    soxsandpants Rank: Lance Corporal
    on 29th May 2008


    User Rating : 10
    Respect : 0

    We don't have a good credit rating due to circumstances in the past, however during the last 5 years we have been paying things off slowly but surely. However, despite the fact that no payments have been missed on anything we are still turned doen by the big companies for anything from a decent bank account to a mortgage. Black Horse however took our recent credit history into account over the past events. They did acknowledge our ccjs but noted that they were being paid and no payments on anyth ...
    soxsandpants's full review     | 138 words

  • Review by
    Guest.
    on 3rd Apr 2008


    User Rating : 9
    Respect : 0

    I got a Black Horse loan of 10.000 nearly 9 months ago..total repayment 13.000...i pay 220 a month for first 6 months but had an operation on hand and went on the sick for 3 month...they were very understanding and held the payments for 3 month and just extended the contract by an extra 3 month.,...not many lending companies would do that...thumbs up!
    Guest's full review     | 60 words

  • Review by
    peter hend1
    on 12th Mar 2008


    User Rating : 1
    Respect : 0

    where to start on the black horse sorry trail , after taking out a loan from black hoarse you are given two month free payments. well not quite. ahhh did no one say you are charged interest on the amount outstanding. at the time i was paying '£90.00 per month interest. all went well till my partner and i split up. as it was a joint loan i was left to pay all payments. black hoarse not interested in splitting loan. but did suggest taking a further loan out and pay half the original loan o ...
    peter hend1's full review     | 465 words | 1 comment added.

  • Review by
    Guest.
    on 29th Feb 2008


    User Rating : 6
    Respect : 0

    At least they are transparent about some of their keyfacts. They just don't tell you it would be a nightmare to get a top-up loan. They refused to approve the loan unless I took out a PPI..... bad bad!!!! I have since cancelled this after 2 years and asking claiming back on this missold policy!
    Guest's full review     | 66 words | 1 comment added.

  • Review by
    blemtroot Rank: 2nd Lieutenant
    on 20th Feb 2008


    User Rating : 3
    Respect : 0

    The only reason I took out a Black Horse loan is that I took advantage of an interest-free finance offer when I purchased a new settee, and they were the provider. After I received the agreement, I noticed that the payment protection had been added as a matter of course. I contacted them by phone to be told that it was the fault of the furniture retailer, and my problem was with them . In effect, they suggested that they were powerless to cancel their own insurance! I contacted them a second tim ...
    blemtroot's full review     | 224 words

  • Review by
    suelav33 Rank: Lance Corporal
    on 8th Feb 2008


    User Rating : 9
    Respect : 0

    Enquired about a loan on Tuesday made an appointment for the following day with Black Horse. Money was in my bank account today Friday. I dealt with a very friendly and efficient lady.
    suelav33's full review     | 37 words

  • Review by
    kelly12680
    on 11th Jan 2008


    User Rating : 9
    Respect : 0

    very helpfull and was given the amount i asked for. Now i have only one payment going out a month. I would recommend them. ive had 2 loans with blackhorse and this is the 3rd. Very helpfull and money was transfered into my account within a day of signing the agreement. a little bit higher interest but ive not got the best credit score!
    kelly12680's full review     | 64 words

  • Review by
    Guest.
    on 6th Dec 2007


    User Rating : 9
    Respect : 0

    When shopping around for a personal loan I gave Black Horse the chance after the satisfactory completion of a two year interest free payment plan from a purchase from SCS. I chose the deal that I wanted, and feel the advice offered during the meeting was excellent. I would recommend Black horse to anyone, for service they score very highly.
    Guest's full review     | 103 words

  • Review by
    happyperson
    on 23rd Nov 2007


    User Rating : 10
    Respect : 0

    Black Horse Loans has helped me out of a hole at this stage and since they gave me a chance this is also an opportunity to try and repair my bad credit history (which incidentally was due to separating from partner and being left with all his bills too because they were registered at my address). The lady that dealt with me worked out my repayments to suit my means and didn't treat me as if I was begging for the loan like some other loan companies do. The whole process from start to finish was ...
    happyperson's full review     | 237 words

  • Review by
    Rupertpower Rank: Staff Sergeant
    on 27th Jul 2007


    User Rating : 10
    Respect : 0

    Very helpful. Higher rate but I am now a lot better off plus they helped me do the course I wanted to do. Cross fingers I pass - Have passed part 1 - have 2 to go.
    Rupertpower's full review     | 86 words | 1 comment added.

  • Review by
    lobo34
    on 24th Feb 2007


    User Rating : 9
    Respect : 0

    I have been more than happy overall with the service I have received from Black horse. They really stood the test when I fell behind with my payments because I lost my job, other than the fact I had 15 missed calls from them on the phone, by which stage I was terrified to speak to them, I was pleasantly surprise when a charming Scots girl treated me like I wasn't a naughty child! They manage to take on board the fact that my situation was short term and set me up my own payment plan to sort me o ...
    lobo34's full review     | 149 words

  • Review by
    bigdicky Rank: Corporal
    on 18th Jan 2007


    User Rating : 2
    Respect : +1

    I borrowed £5000 in July 2003. I am still paying it back over 5 years, paying £144.33 a month, which is a total of £8659.00. Black Horse Finance have done OK out of it - £3659.00 profit. I would have never got the loan, but I was suffering from depression and anxiety at the time, and I did not know what I was doing. They lend money very easily, but there's a big price to pay.
    bigdicky's full review     | 70 words | 1 comment added.

  • Review by
    zrahman1
    on 20th Jul 2006


    User Rating : 0
    Respect : +1

    Most lenders seem to be quite happy these days to do business over the phone. What's so special about Black Horse Loans? I was accepted for an unsecured loan on their own credit scoring system by the broker/introducer. I had to chase the lender, as they were slow in getting back to me after the initial decision in principle was made. I was asked to visit a local branch, but the closest one to me was a 1 hour drive away. I made the effort, because over the phone they stated that they would be abl ...
    zrahman1's full review     | 262 words | 1 comment added.


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